Summary of Key Information:

Reporting Period (Quarter/Year): Quarter and Half Year ended September 30, 2026

Nature of Filing / Announcement: Approval of Unaudited Financial Results

Audit Opinion:

Clean/Unmodified Review Report - The joint statutory auditors (Price Waterhouse LLP and K.S. Aiyar & Co.) issued an unmodified conclusion stating nothing came to their attention suggesting material misstatement in the financial results.

Key Financial Highlights [₹ in Lakhs]:

Standalone Results:

Quarter ended September 30, 2026:

  • Revenue from Operations: Not explicitly stated (Total Income: ₹9,21,142)
  • Total Income: ₹9,21,142 (vs ₹7,82,433 in Q2 FY26, +17.7% YoY)
  • Net Profit: ₹1,38,609 (vs ₹95,526 in Q2 FY26, +45.1% YoY)
  • EPS: Basic ₹5.61, Diluted ₹5.38 (vs Basic ₹3.89, Diluted ₹3.85 in Q2 FY26)
  • Other Equity: Not explicitly stated in results table (Reserves excluding Revaluation Reserve as at March 31, 2026: ₹36,65,807)
  • Cash and Cash Equivalents: ₹25,68,179 (as per cash flow statement)
  • Debt (Total Borrowings): ₹24,63,207

Half Year ended September 30, 2026:

  • Total Income: ₹17,49,811 (vs ₹15,62,394 in H1 FY26, +12.0% YoY)
  • Net Profit: ₹2,56,302 (vs ₹1,81,701 in H1 FY26, +41.1% YoY)
  • EPS: Basic ₹10.38, Diluted ₹9.95

Interest Earned (Q2 FY27): ₹7,72,098 (vs ₹6,74,216 in Q2 FY26)

  • Interest/discount on advances/bills: ₹6,16,635
  • Income on investments: ₹1,34,582
  • Interest on balances with RBI and other inter bank funds: ₹16,018
  • Others: ₹4,863

Other Income (Q2 FY27): ₹1,49,044 (vs ₹1,08,217 in Q2 FY26)

Operating Profit (Q2 FY27): ₹2,22,537 (vs ₹1,64,417 in Q2 FY26)

Provisions (other than tax) and contingencies (Q2 FY27): ₹34,219 (vs ₹36,309 in Q2 FY26)

Tax expense (Q2 FY27): ₹49,709 (vs ₹32,582 in Q2 FY26)

Consolidated Results:

Quarter ended September 30, 2026:

  • Total Income: ₹9,90,341
  • Net Profit: ₹1,56,405
  • Consolidated Net Profit of the group: ₹1,49,865
  • Minority interest: ₹6,956
  • Share in Profit of Associate: ₹415
  • EPS: Basic ₹6.07, Diluted ₹5.82

Half Year ended September 30, 2026:

  • Total Income: ₹18,84,652
  • Net Profit: ₹2,46,167
  • Consolidated Net Profit of the group: ₹2,75,474
  • EPS: Basic ₹11.16, Diluted ₹10.70

Segment-wise Performance [₹ in Lakhs]:

Standalone Segment Revenue (Q2 FY27):

  • Treasury: ₹1,73,685
  • Corporate/Wholesale Banking: ₹3,80,398
  • Retail Banking: ₹8,64,546
  • Digital Banking: ₹1,00,791
  • Other Retail Banking: ₹7,63,755
  • Other Banking operations: ₹15,652
  • Unallocated: ₹420
  • Total Revenue: ₹14,34,701
  • Less: Inter Segment Revenue: ₹5,13,559
  • Income from Operations: ₹9,21,142

Standalone Segment Results (net of provisions) (Q2 FY27):

  • Treasury: ₹38,244
  • Corporate/Wholesale Banking: ₹70,970
  • Retail Banking: ₹67,310
  • Digital Banking: ₹5,044
  • Other Retail Banking: ₹62,266
  • Other Banking operations: ₹11,374
  • Unallocated: ₹420
  • Profit before tax: ₹1,88,318

Consolidated Segment Revenue (Q2 FY27):

  • Treasury: ₹1,74,803
  • Corporate/Wholesale Banking: ₹3,78,626
  • Retail Banking: ₹9,33,714
  • Digital Banking: ₹1,00,791
  • Other Retail Banking: ₹8,32,923
  • Other Banking operations: ₹16,337
  • Unallocated: ₹420
  • Total Revenue: ₹15,03,900
  • Less: Inter Segment Revenue: ₹5,13,559
  • Income from Operations: ₹9,90,341

Corporate Actions:

  • The Bank allotted 46,39,920 equity shares of ₹2 each during Q2 FY27 pursuant to exercise of stock options by employees.
  • The Bank allotted 83,96,575 equity shares of ₹2 each during H1 FY27 pursuant to exercise of stock options by employees.
  • No dividend declared in this announcement.

Other Significant Information:

  • Capital Adequacy Ratio (Basel III): 16.84% as of September 30, 2026 (vs 15.71% YoY)
  • Gross NPA: ₹3,98,956 (1.32% vs 1.83% YoY)
  • Net NPA: ₹49,220 (0.17% vs 0.48% YoY)
  • Return on Assets: 0.33%* (Q2 FY27)
  • Net Worth: ₹41,12,610
  • Debt-Equity Ratio: 0.60
  • Operating Margin: 24.16%
  • Net Profit Margin: 15.05%

Statement of Assets and Liabilities (Standalone as at September 30, 2026) [₹ in Lakhs]:

  • Capital: ₹49,454
  • Share Warrants Subscription Money: ₹1,54,913
  • Reserves and Surplus: ₹39,17,785
  • Deposits: ₹3,42,69,356
  • Borrowings: ₹24,63,207
  • Other Liabilities and Provisions: ₹18,37,938
  • Total Liabilities: ₹4,26,92,653
  • Cash and Balances with RBI: ₹16,80,083
  • Balance with Banks and Money at Call: ₹8,88,096
  • Investments: ₹84,04,530
  • Advances: ₹2,98,22,564
  • Fixed Assets: ₹1,47,004
  • Other Assets: ₹17,50,376
  • Total Assets: ₹4,26,92,653

Cash Flow Statement (Standalone H1 FY27) [₹ in Lakhs]:

  • Net Cash Flow from Operating Activities: ₹3,72,380
  • Net Cash Used in Investing Activities: ₹(7,02,191)
  • Net Cash flow from Financing Activities: ₹3,25,267
  • Net Decrease in Cash: ₹(4,581)
  • Cash and Cash Equivalents at period end: ₹25,68,179

Entities included in consolidation:

  • Parent: The Federal Bank Limited
  • Subsidiaries: Fedbank Financial Services Limited, Federal Operations and Services Limited
  • Associate: Ageas Federal Life Insurance Company Limited